United India Two Wheeler Insurance Policy

About United India Insurance Company

Incorporated in 1938, United India Insurance Company Limited was nationalised in 1972 as a result of a merger between several insurance companies, foreign insurers, and Life Insurance Corporation of India’s southern insurance operations. The company serves the needs of over 1 crore policyholders with one of the largest network of over 1340 offices in India. It offers a range of insurance products from insuring bullock carts to satellites.

United India Insurance Two-Wheeler Insurance Overview:

United India Insurance Two-Wheeler Insurance – An Overview

Add-On Covers

Personal Accident Cover

Incurred Claim Ratio

91.72%

Inclusions

Covers damages incurred due to natural disasters such as earthquake or flood

All damages incurred due to man-made disasters such as riots or theft

Exclusions

Claims due to contractual liability

Normal wear and tear of the vehicle

Losses incurred by driving under the influence of alcohol or any other intoxicants

Claims made when the vehicle is driven by someone without a valid driving license

Cashless Network Garages

More than 500 network garages

Third-Party Cover

Any liabilities due to injury or property damage to third parties

Bonus / Discounts

No Claim Bonus

Vintage Cars get a discount of 25% on the OD rates

Discounts are provided for vehicles with Anti-theft devices

Members of the Automobile Association are given discounts of up to 5% of the OD premium

50% discount is offered on OD premium for vehicles designed for use by mentally challenged and handicapped persons

Personal Accident Coverage

Personal accident cover offers protection to the owner or driver of the vehicle in case of an untoward incident

Policy Term

1 year to 3 years

United India Two-Wheeler Insurance Policy

United India Insurance Company offers various insurance plans for two-wheelers that cover vehicle owners/riders against unforeseen situations causing loss or damage to their vehicles or a third person and their properties.

Benefits of United India Two Wheeler Insurance

United India Two Wheeler Insurance offers insurance policies that provide comprehensive protection for your motor vehicle. It is mandatory to at least have a liability-only cover for your motor vehicle as per the rules of the government. United India Two Wheeler Insurance also offers the minimum third-party liability cover. Analyse the number of advantages of the policies from the video below and choose the one that is most suitable for you and your motor vehicle.

Types of Bike Insurance Policies Offered By United India Insurance Company

The company primarily offers two types of motor insurance policies which include the Liability Only Policy and Package Policy. While the Liability Only Policy only covers the losses or damages done or bodily injuries or death caused to a third party, a package policy offers a greater level of coverage that includes own damage as well as third-party liabilities.

Exclusions Under United India Two-Wheeler Insurance Policy

The following are not payable under the liability only policy offered by United India Insurance Company.

Liabilities contractual in nature

Drunken driving, war perils, and nuclear attack

Loss of consequential nature

Depreciation in the value of the vehicle due to normal wear and tear

Mechanical or electrical breakdown of the vehicle

Damage caused to the vehicle due to a person driving the vehicle under the influence of alcohol or drugs

Damage caused to the vehicle by a rider not holding a valid driving license

Claims made outside the geographical area covered under the policy

Claims made for vehicles used against their limitations of use under the policy

Discounts Available On Purchasing United India Two-Wheeler Insurance Policy

A No Claim Bonus can be availed in the range of 20% to 50% if the policyholder has not made any claim on their motor insurance policy in the preceding years. The percentage of NCB is subject to the number of claim-free years.

5% discount on own damage premium (up to Rs.50 for two-wheelers) for members of Automobile Association.

A discount of 2.5% can be availed on the Own Damage (OD) premium by installing an ARAI (Automotive Research Association of India) approved anti-theft device to the vehicle.

A discount of 50% can be availed on OD premium for vehicles designed for use of physically or mentally challenged individuals.

Additional Coverage Available

The coverage offered under United India two-wheeler insurance policy can be extended by payment of additional premium. The coverage can be enhanced by opting the following covers:

Extension Of Geographic Area Covered Under The Policy: The coverage of the policy can be extended to countries including Bangladesh, Bhutan, Nepal, Pakistan, Sri Lanka, and Maldives by paying a certain amount of premium in addition to the base premium.

Personal Accident Cover: Personal accident cover can be opted for named or unknown individuals travelling with the rider.

Electrical / Electronic Fittings: Electrical and electronic fittings that do not come default with the manufactured vehicle can be covered by paying an additional premium of 4% on the cost of such installations.

Making Insurance Claim

The policyholder can register his/her motor insurance claim online through the official website of United India Insurance Company. To do the same, the policyholder needs to enter their policy number and vehicle registration number and follow the instructions as directed on the website.

Buy/Renew United India Two-Wheeler Insurance Policy Online

Customers can easily buy a new motor insurance policy or renew their existing insurance policy through the official website of United India Insurance Company. All they are required to do is enter a few basic details about their vehicle, calculate the premium, and make payment through various online payment options available.

United India Insurance Customer Care Contact Information

United India Insurance Email Address:

For any queries or concerns related to motor insurance policy offered by the insurer, you may write an email at the below-mentioned email address:

customercare@uiic.co.in

Visit United India Insurance Branch Office

You may also buy or renew your two-wheeler insurance policy online by visiting your nearest United India Insurance branch office. The following are the addresses and phone numbers of United India Insurance branch offices in some of the metro cities in India. You may use the ‘Branch Locator’ feature on the website to locate your nearest branch office.

United India Insurance Two-Wheeler Insurance FAQ's

What are the discounts offered by United India Insurance on two-wheeler packages?

The following discounts are offered by the insurer on two-wheeler insurance packages:

No-Claim Bonus - NCB ranges from 20% to 50%, based on the number of claim-free years.

Automobile Association of India (AAI) membership - Discount of 5% on the own-damage premium, subject to a maximum of Rs.50 for motorised two-wheelers.

Installation of anti-theft devices - A discount of 2.5% on the own-damage component of premium.

50% discount on the own-damage premium if the vehicle is used by a handicapped, blind, or mentally-challenged individual.

Do I have to bear additional premiums for installing CNG/LPG bi-fuel kit in my vehicle?

Two-wheelers fitted with CNG/LPG bi-fuel kits will have to be declared separately and premium will be charged at the rate of 4% on the value of the kit.

My policy is due for renewal. How soon can I renew it?

The insurer allows you to renew your two-wheeler insurance policy only 30 days before the expiry date. You have time till the due date to pay the premium.

Can I renew my expired policy through the online channel?

United India Insurance does not allow you to renew expired policies online. You will have to approach an insurance agent or visit the office of the insurer for the same. A list of the branch offices of the insurance company can be found at the official United India Insurance website.

I had bought my two-wheeler insurance policy a year ago from a branch office of United India Insurance. Can I download a copy or check the status of the policy online?

This facility is currently not available on the insurer’s website. You can download a copy or check the status of a policy online only if it was renewed/bought through the insurer’s website.

What premium payment channels are authorised by the insurer?

You can pay premiums through any of the following channels:

Internet banking

Debit card

Credit card

IMPS

I have made a duplicate payment and the amount was deducted from my account twice. How do I get a refund?

You should always note down the following information at the time of making a premium payment:

Transaction ID

Transaction date

Amount paid

Name of the insured/payee

Send these details to online.policy@uiic.co.in

The insurer will initiate a refund which will be processed within 5 business days.

I would like to get a hard-copy of my policy documentation. How do I request for it?

A policy is always sent to the email ID that you furnished at the time of purchase. The insurer does not provide hard copies of the policy documentation even if you place a request for it.

Is it possible to cancel a two-wheeler insurance policy online?

Yes, policies that were originally bought online can be cancelled online. You will be required to send a cancellation request through email to online.policy@uiic.co.in. You will also have to provide policy details in the email. Refund for the policy will be made as per the company rules.

What is cashless claim facility?

The United India two-wheeler insurance policy coverage includes cashless claim facility. In the event of an accident, the policyholder can choose to get the bike repaired at any of the network garages affiliated to the insurance company. The cashless claim facility is particularly useful as the policyholder is not required to pay for the repair work up front. The insurer will settle the bills directly with the garage. The policyholder will only need to pay a minimal amount corresponding to deductibles.

Additionally, network garages also offer optimised services to customers. You can be assured of quality work and competitive pricing for repairs done at network garages.

Disclaimer

This Insurance Company has not partnered with BankBazaar.com. For more details, please visit its website/branch office. The trademarks, logos and other subject matters of intellectual property belong to their respective owners.

Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. Display of such IP along with the related product information does not imply BankBazaar's partnership with the owner of the Intellectual Property or issuer/manufacturer of such products.

Two-Wheeler Insurance Reviews

From United India, i have taken the two wheeler insurance because its a government based company and while purchasing the bike i got it and that time i have no idea about the insurance plan. I have not approached them for any kind of claim. I have no idea about the premium amount and IDV value. I have been renewing the policy with the same company for almost 3 years and they do send notification at the time of policy expiry.

My two wheeler insurance was taken from United India because my neighbor is working in that company hence its easy to renew the policy. I have paid the premium amount of Rs. 2289 and they are providing me a IDV value of Rs. 50000. Its a first party insurance which covers for Rs. 1 lakh.

I took my two wheeler insurance from United India because of my family recommendation. I have no claim experience till now. I have paid the premium amount of Rs. 2700 and they have provided me a satisfied coverage value. I used to renew the policy by visiting their branch. At the time of policy expiry, they will be sending the reminders to the customers.

The agent who works in United India insurance is a known person so that i bought the two wheeler insurance with them. I paid the premium amount of Rs. 1000 approximately for my wheeler. I don't have any idea about the coverage value. I do not have any claim experience till now. Every year when the policy is getting lapsed, agent used to visit my place to renew the policy.

From United India, i have taken the two wheeler insurance policy but i have not claimed anything till now. My friend has referred me about this policy. I'm not sure about the premium amount but they have provided me a coverage value of Rs. 50000. I used to renew the policy in petrol bunk. I made the payment through cash.

I am having a two wheeler insurance from United India from the beginning and the services are satisfactory so have been using the same insurer for renewal. I have chosen first party insurance and they have been charging premium around Rs.3500 or 4500. Their customer service is best. Even I have heard from my friends that the benefits are good. I have no claims so far.

United India Insurance is easily accessible because their insurance service is available in all the place so i have chosen them. I have paid the premium amount of Rs. 1400. They are not sending any kind of reminder SMS before the policy got expiry. I never applied for any claim as of now.

No claim experience with my two wheeler insurance policy from United India Insurance. My friends have recommended me about this policy. I'm paying the premium amount of Rs. 4000 approximately. I didn't remember about the IDV value. Through online, i used to renew the policy. They are sending reminders regarding the policy expiry.

For a long years, i have been renewing the policy with United India. The premium is more. I have used to visit their branch to renew the policy. I have not checked my IDV value. They are sending the reminders before the policy get expired. I have not applied any claim. When i purchased the bike, they provided me the policy from this company.

From United India company, my two wheeler insurance was taken because the customer engagement was good and the branch is located nearby my place. My claim experience was good because they processed the claim in 35 days. They covered upto 80%.

The company has given me a policy when i purchased the policy since they had a tie up with United India. I have paid the premium amount of Rs. 1400 for that they are providing the IDV value of Rs. 55000. By next year also, i will renew with the same company even the depreciation gets reduces. If any problem arises, i can go with the showroom they have a tie up with them and showroom itself, they will take care of all the process which will be convenient for me.

I am dealing with United India from the beginning and have been continuing the service. Whenever my policy is up for renewal, their executive used to contact me and alert regarding this. Fortunately, I don't have any claims so far and my bike is 20 years old. Every year, the value of vehicle is getting decreased and the premium is increasing which was the contradiction.

If any accident occurs for vehicle insurance, the claim settlement ratio is very good with United India Insurance. Its very good and am not facing any issues. I have purchased the bike in the year of 2006, from then on and am using this insurer. I would recommend the customer's to go with 3years policy rather 1 because the benefits are good.

Before my father was choosing the two wheeler insurance from United India hence I'm following the same company. I'm paying the premium amount of Rs. 2300 and they are providing the coverage amount of Rs. 55000. I used to renew the policy in their branch and the experience is good over there.

I am holding my bike policy with United India, last year I paid Rs.1650 it has one year of coverage of comprehensive policy including personal accidental cover. There is no claim experience, its been 10 years now but whenever I go for the renewal they won't provide no claim bonus feature for my 2007 model bike.

I availed United India policy for my two years old bike, I paid Rs.1800 for one year then it keep reducing based on vehicle age. It has third party insurance. They used to send the reminder message before one month. Its a good plan with best IDV value, I have due bike overall cost Rs.62,000. If there is a claim I can use it upto 75% of total amount.

I took my two wheeler insurance with United India Insurance because the premium is affordable. I have no claims so far. I am having Honda Activa. Am paying 1100 rupees yearly for the renewal through cash. I have gone for full covered insurance. The benefits are average.

I had a bike insurance with United Insurance for the previous year. I have done lot of claims and they have responded well.I have purchased Pulsar 220 and got the insurance from the dealer. The premium goes higher and also the accessibility of insurance office is very less.

I am holding two wheeler policy with United India Insurance, last year I paid around Rs.1500 premium for my 2014 Mahindra centro bike, at the time I got the comprehensive plan. The renewal process is very easy, I used to give call to the concern person they take care of everything.

United India premium is reasonable, last year I paid Rs. 900 for one year it gives third party cover but there is no claim experience. I have hero honda bike its around 8 years, they are providing IDV value based on the manufacture year, renewal process is very easy.